Personal Finance Calculators
Personal finance calculators for wedding budgets, lottery annuity vs lump sum, pet care, side-hustle hours, scrap gold and silver, and lifestyle costs.
Recurring habits, scrap metal, lottery choices and side income. 7 calculators for household money questions. Loans, budgeting and investment returns sit under Finance.
Lottery annuity against lump sum is a decision most people are told about rather than allowed to work out. The advertised jackpot is the annuity total spread across 29 or 30 years. The cash option looks brutal by comparison because it is the present value of that stream, and then tax comes off. What makes the comparison real is the return you can honestly expect to earn: the annuity wins whenever your achievable return sits below the rate the annuity was priced at.
Scrap gold works from karat purity and weight against the spot price, and the useful part is knowing what a buyer’s offer should look like before you walk in. 14k is 58.3% gold and 18k is 75%, and a refiner’s spread means a fair offer sits well under melt value rather than at it.
The coffee and eating-out pages exist to be annualised. A daily number is far too easy to wave away.
Coffee Shop Habit Annual Cost
Calculate the annual cost of buying coffee at a shop versus brewing at home. Includes the lifetime opportunity cost if invested instead at a chosen return rate.
Side Hustle Hours Needed Calculator
Calculate how many hours per week of side income you need to reach a savings goal, debt payoff, or income target. Factors in tax, expenses, and timeline.
Lottery Annuity vs Lump Sum Calculator
Compare lottery annuity payments vs lump sum after federal and state taxes. Find the present value of annuity payments and decide which option is worth more.
Pet Care Cost Calculator
Estimate the annual and monthly cost of owning a dog or cat. Enter food, vet, grooming, insurance, and other expenses to find your total pet ownership cost.
Scrap Gold Calculator
Calculate the melt value of your gold jewelry, coins, or bars. Enter weight, karat purity, and current spot price to find what your scrap gold is worth.
Scrap Silver Calculator
Calculate the melt value of silver coins, jewelry, or flatware. Enter weight, purity (sterling, fine, coin silver), and spot price to find your scrap value.
Annual Cost of Eating Out Calculator
Calculate the annual cost of eating out from cost per meal and meals per week. Includes 5-year and 10-year totals with optional invested-instead growth.